CN101981585A - Dynamic currency conversion system and method - Google Patents
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/381—Currency conversion
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Abstract
A transaction terminal system for a card-based purchase communicates with a host system to provide dynamic currency conversion. The transaction terminal system can select one of a number of different rate request messages according to various local factors in order to obtain a currency conversion rate for dynamic currency conversion.
Description
Background technology
The present invention relates to provide the system based on card of payment with sabstitute money to user (for example, Payment Card holder).
Typical transaction terminal system, for example ATM (Automatic Teller Machine), point of sales terminal, its workstation will provide transaction with the currency of transaction terminal system locality.Yet the user will wish to conclude the business with sabstitute money sometimes.
Automatically have such demand: the identification user may wish the payment that the currency beyond the currency with transaction terminal system locality is paid.Proposed to be provided for the certain methods of determining automatically of the currency of dynamic money conversion.
For example, EP 1,018,711 discloses the method that comprises following content: according to payment card number identification marking sign indicating number, and identification code compared with the clauses and subclauses in the table that comprises publisher's code and corresponding currency code to be identified for and to block the operation currency of concluding the business and being associated.
International Patent Application WO 2006/009816 discloses the method that comprises following content: receive keep by client with financial institution's associated finance number of the account, definite foreign currency type that is associated with finance account, present options to the user, select to carry out moneytary operations according to client's currency subsequently.
Need based on technology and law, the different options that is used for being identified for automatically the currency of currency conversion is not all available in all places that card transaction terminal may be positioned at.Correspondingly, traditionally, support that in order to solve these demands a plurality of card transaction terminals are necessary.
Summary of the invention
An aspect can provide the transaction terminal system, comprising: the input interface that receives Payment Card details and trade detail; Be connected to the remote host system communication interface; And processing logic, can operate with to host computer system transmission exchange rate request message with identification currency conversion rate, and receive response message from host computer system.The exchange rate request message can comprise the request type designator that shows an exchange rate request message type in a plurality of exchange rate request message type, and wherein, the exchange rate request message at selected at least exchange rate request message type comprises at the conversion currency fields of changing the currency designator.
The method of operation transaction terminal system can comprise: receive Payment Card details and trade detail; Transmit the exchange rate request message with identification dynamic money conversion ratio to host computer system, wherein, the exchange rate request message comprises the request type designator that shows an exchange rate request message type in a plurality of exchange rate request message type, and the conversion currency fields that wherein, comprises conversion currency designator at the exchange rate request message of selected at least exchange rate request message type; And from host computer system reception response message.
Another aspect can provide dynamic money conversion host computer system, comprising: the host communication interface that is connected to the transaction terminal system; And the host process logic, can operate to receive the exchange rate request message from transaction terminal.The exchange rate request message can comprise the request type identifier that shows an exchange rate request message type in a plurality of exchange rate request message type, and, can comprise at the conversion currency fields of changing the currency designator at the exchange rate request message of selected at least exchange rate request message type.Processing logic can further be operated, to determine conversion ratio, perhaps determine that in response to the exchange rate request message that does not have indicated conversion currency conversion currency and institute determine to change the trading volume of the conversion of currency in response to the exchange rate request message that comprises indicated conversion currency.Processing logic can comprise the exchange rate response message of this currency conversion rate designator and conversion currency designator to the transaction terminal system transmissions.
The method of operation dynamic money conversion host computer system can comprise: receive the exchange rate request message from the transaction terminal system, wherein, the exchange rate request message comprises the request type designator that shows an exchange rate request message type in a plurality of exchange rate request message type, and wherein, the exchange rate request message at selected at least exchange rate request message type comprises at the conversion currency fields of changing the currency designator; Determine conversion ratio in response to the exchange rate request message that comprises indicated conversion currency, perhaps determine that in response to the exchange rate request message that does not have indicated conversion currency conversion currency and institute determine to change the conversion ratio of currency; And comprise the conversion ratio designator of this currency and the exchange rate response message of conversion currency designator to the transaction terminal system transmissions.
The dynamic money converting system can comprise: one or more this transaction terminal system, and one or more this dynamic money conversion host computer system.
Though listed various aspects of the present invention in the claims, but others of the present invention comprise coming embodiment and/or the feature of appended dependent claims and any combination of independent claims feature of self-described, are not only the combination of clearly listing in the claims.
Description of drawings
Only embodiment is described with reference to accompanying drawing in the mode of example.
Fig. 1 is the schematic block diagram that the structure example of the card paying system that the dynamic money conversion is provided is shown.
Fig. 2 is the block diagram that the example of transaction terminal system is shown.
Fig. 3 is the block diagram that the example of dynamic money conversion host computer system is shown.
Fig. 4 A, Fig. 4 B and Fig. 4 C form the process flow diagram of the example operation that the transaction terminal system is shown;
Fig. 5 A and Fig. 5 B form the process flow diagram of the example operation that dynamic money conversion host computer system is shown; And
Fig. 6 forms the process flow diagram of the example that the payment authorization process is shown.
Embodiment
Fig. 1 is the schematic block diagram that the example of payment card schemes 100 is shown.
Fig. 1 illustrates the transaction terminal system (or trading post system) 10 that comprises the card payment function and comprise dynamic money conversion (DCC) systemic-function extraly.Transaction terminal system 10 can be configured to be positioned at for example on-site point of sales terminal of retailer, can for example be ATM (Automatic Teller Machine) perhaps.
Acquirer's banking system 12 can comprise one or more computing machine.Acquirer's banking system 12 can be operated receiving payment authorization request messages 20 from transaction terminal system 10, and in due course to transaction terminal system 10 return authorization response messages 30.Acquirer's banking system 12 is further communicated by letter with the network 14 (being called scheme network system 14 hereinafter) of Payment Card operator's computer system via communication network (for example, via the Internet, telephone network or another network).Though only show a scheme network system 14 among Fig. 1, acquirer's banking system 12 will be communicated by letter with each scheme network system of each Payment Card operator.
Acquirer's banking system 12 can be operated and be analyzed the payment authorization request message 20 that receives from transaction terminal system 10, thinks that the card of concern is determined suitable scheme network system 14 and transmitted payment authorization request message 22 to scheme network system 14.
Distribution financial institution system 16 can be operated and be received payment authorization request message 24, by being compared with the record of possessing for the Payment Card of paying close attention to, the details of Payment Request handles authorization requests, and subsequently to the suitable authorization response message 26 of scheme network system 14 transmission.Authorization response message comprises various details, and these details comprise the affirmation whether payment is authorized to.Via scheme network system 14, acquirer's banking system 12 authorization response message 26 is forwarded to transaction terminal system 10 then.
Below, will provide the exchange rate request of transmission between transaction terminal system 10 and the DCC host computer system 18 and the further details of exchange rate response message, to determine whether the carrying out DCC operation.
Behind the currency of having confirmed transaction, transaction terminal system 10 can operate and send (for example, card holder's this country or money of account) authorization request message or finance prompting (presentment) request message or finance prompting advice message or remove message to distribution financial institution 16 via acquirer's banking system 12 and scheme network system 14.
Fig. 2 is the schematic block diagram of the example of transaction terminal system 10.The example transaction terminal system 10 of example comprises one or more processor 40, storer 42 (can comprise volatibility and Nonvolatile memory and storer) among Fig. 2, to be used for the storage of program and data.Fig. 2 illustrates storer 42 and comprises and form that card handles that the card of (CP) application module 44 handles that the DCC that uses, forms DCC module 46 uses and with reference to country and/or monetary information 48, identification local currency Cavan part 49 (this document can adopt and comprise for example various forms of publisher's identification number/bank identifier number (IIN/BIN) table 49) and the foreign currency table 47 with the card of the note issuance of terminal locality.Should be noted that storer 42 can comprise other application and data.
Can keep with reference to country and/or monetary information 48 in register or in the file in the storer 42 for example as ISO country code and Alpha's currency code and/or digital cash code.
Local currency Cavan part is being embodied as under the situation of local IIN/BIN table 49, can discern the local currency of transaction terminal local bank and other financial institution, thereby the user of transactional cards (card holder) will be not suitable for the dynamic money conversion as the Payment Card of Payment Card money of account.Each clauses and subclauses in the local IIN/BIN table can comprise various field, and these fields comprise one or more in the following field of following content for example:
IIN/BIN；
Alpha's money of account code (for example, Alpha ISO currency code);
Numeral money of account code (for example, digital ISO currency code);
Country code (for example, ISO country code).
Foreign currency table 47 can comprise indicating of transaction terminal system 10 foreign currency that conversion is supported for dynamic money.Each clauses and subclauses in the foreign currency table 47 can comprise various field, and these fields comprise one or more in the following field of following content for example:
Alpha's foreign currency code (for example, Alpha ISO currency code);
Numeral foreign currency code (for example, digital ISO currency code).
Fig. 2 has also schematically presented keyboard/50, scanner 52 and card reader 54.Keyboard/50 can be the keyboard/ with disengaging latch, perhaps can be configured to keyboard with touch screen/keypad and suitably can be used for the input of numeral and/or other character.Scanner 52 can for example be barcode scanner, RFI tag scan instrument etc.Card reader 54 can be configured to from the Payment Card reading of data.Card reader 54 suitably can be magnetic strip reader, contact chip card reader, contactless chip card reader, RFI tag reader etc.In addition, under suitable situation, card reader 54 can also operate the Payment Card writing information to appropriate configuration.
Fig. 2 has further schematically presented display 56, printer 58 and communication interface 60.Display 56 suitably can be digital indicator, aplhanumeric visual display, image display etc., to show that input data and/or message are with assisting users in the operation of transaction terminal system 10 (for example, Payment Card holder) and/or retailer/businessman.Printer can be used for printing purchase receipt and/or out of Memory.Communication interface 60 makes it possible to directly or communicates via one or more communication channel 62 from transaction terminal system 10 to DCC host computer systems 18 via the go-between (not shown).
In above-mentioned example, transaction terminal system 10 is payment accepting device or automated teller system or point of sales system.Yet, should be appreciated that transaction terminal system 10 can also be the workstation form that is connected to the Internet.Can also completely or partially be integrated into the transaction terminal system in the transaction system of restaurant, theater, retailing facility etc.
Fig. 3 is the schematic block diagram of the example of DCC host computer system 18.The example DCC host computer system 18 of example comprises one or more processor 70, storer 72 (can comprise volatibility and nonvolatile memory) among Fig. 3, to be used for the storage of program and data.Fig. 3 illustrates storer 72 and comprises one or more DCC program that forms DCC module 76 and one or more tables of data, currency conversion or the table on exchange rates 74 that comprise local currency file 75, national to currency table 77 and acquiescence currency table 73.Should be noted that storer 72 can comprise other application and data.
Account billing document identifier;
Card number of the account scope than low value;
The high value of card number of the account scope; And
Alpha's money of account code (for example, 2-3 character Alpha ISO currency code);
Numeral money of account code (for example, 3 bit digital ISO currency code);
Table on exchange rates 74 can comprise the information that can therefrom extract current exchange rate data.First clauses and subclauses in the table on exchange rates can comprise various field, and these fields comprise one or more in the following field of following content for example:
The output file prefix;
File identifier;
Initial date of expiration;
Initial effective time;
Monetary base code (for example, using the ISO currency code);
Country code (for example, using ISO country code);
The file sequence number (for example, 001, unless have more than a file for this date);
File extension (for example, DAT).
Volume in the table on exchange rates 74 (volume) can comprise various field, and these fields comprise one or more in the following field of following content for example:
The volume head;
Initial date of expiration;
Initial effective time;
Exchange rate ID.
Each exchange rate clauses and subclauses in the table on exchange rates 74 can comprise various field, and these fields comprise one or more in the following field of following content for example:
Alpha's currency code (for example, iso standard 3 character Alpha codes);
Digital cash code (for example, iso standard 2-3 number of characters word code);
Euro band (Euroband) identifier (for example, showing that whether currency is Euro mark of band currency);
The exchange rate (for example, being rounded up to the rate of conversion of 4 decimal places);
The FX of businessman leads classification;
From the date effective (for example, the exchange rate is from the effective date on this date);
From the time effective (for example, the time of the exchange rate in the effective date on this date);
To certain date effectively (for example, the exchange rate invalid date after this date);
To certain time effectively (for example, exchange rate time in invalid date after this date);
Price markup (markup) percent value;
Price markup accuracy value (for example, to show price markup decimal place precision).
Final field in the table on exchange rates 74 can comprise various field, and these fields comprise one or more in the following field of following content for example:
Buttock line (trailer line);
The verification of currency code field and;
The verification of exchange rate field and;
Record count.
Country is used for shining upon between country and its official's national currency to currency table 77.Usually, official's national currency is associated with each country, but can exist a plurality of countries and official's national currency (for example, Euro) to be associated.In an example, arrange country according to country currency table and each national clauses and subclauses are identified official associated therewith national currency.In this example, each clauses and subclauses can comprise one or more field, and described field comprises one or more in for example following field:
Country code (for example, ISO country code);
Alpha's currency code (for example, iso standard 3 character Alpha codes);
Digital cash code (for example, iso standard 2-3 number of characters word code).
Acquiescence currency table 73 can be used for discerning the acquiescence currency that will be used to conclude the business.Acquiescence currency table 73 can comprise the mapping between the DCC currency that for example unsupported DCC currency and acquiescence support, and can be used for the acquiescence DCC currency that some situation will be used when being identified in use at the Payment Card of transaction terminal system 10 and/or direct currency conversion host computer system 18 unsupported note issuances.Acquiescence currency table 73 can also be used for some situation, will be used for not acquiescence DCC currency to the Payment Card of the local currency distribution of transaction terminal system 10 with identification.In an example, arrange acquiescence currency table 73 according to input currency (for example, the currency of terminal payment system locality and/or unsupported currency etc.), and each clauses and subclauses of input currency identify respective default currency associated therewith.In this example, each clauses and subclauses can comprise one or more field, and these fields comprise one or more in for example following field:
Alpha imports currency code (for example, iso standard 3 character Alpha codes);
Numeral input currency code (for example, iso standard 2-3 number of characters word code);
Alpha gives tacit consent to currency code (for example, iso standard 3 character Alpha codes);
Numeral acquiescence currency code (for example, iso standard 2-3 number of characters word code).
Fig. 3 has also schematically presented keyboard 78 and display 80.Keyboard 78 can be the keyboard with independent key, perhaps can be configured to keyboard with touch screen, and can suitably be used for the input of numeral and/or other character.Display 80 can be digital indicator, aplhanumeric visual display, image display etc. suitably, so that the operator can check system data.
Fig. 3 also illustrates printer 82 and communication interface 84.Printer can be used for the print system data.Communication interface 84 makes it possible to directly or carries out communicating by letter via one or more communication channel 86 and transaction terminal system 10 and acquirer's banking system 12 via the go-between (not shown).
The Fig. 4 that is formed by Fig. 4 A, Fig. 4 B and Fig. 4 C illustrates the DCC operation of the payment card transaction of being carried out by transaction terminal system 10 and the procedure chart of card transaction (for example, payment card transaction).
304, application choice takes place.In other words, transaction terminal system 10 can operate 304, with the application of determining to support mutually, so that allow the advantageous applications that the card holder selects to use (for example, VISA credit/debit, Electron, MasterCard credit/debit or other) by terminal system 10 and Payment Card.
306, the Payment Card that can start selection is used, and uses alternatively under the situation that Treatment Options data object tabulation (PDOL) is provided on the Payment Card.
Start application processing function 306 can:
-notice Payment Card chip is just beginning the processing of New Transaction;
-for the Payment Card chip provide about the transaction the information relevant with terminal;
-obtain to comprise the tabulation and the applications exchange overview of the file of the Payment Card chip data that will during handling process of exchange, use from the Payment Card chip; And
-determine whether to allow to conclude the business.
PDOL (if existing on the Payment Card) is the length of terminal resident data element of Payment Card chip and the tabulation of label.If PDOL can use, then chip card will the requests transaction terminal system 10 uses among the PDOL information available to be used for applicable application.If exist among the PDOL, then chip card can be from transaction terminal system 10 requests transaction amount and currency.
Then, 308, from the Payment Card reading of data.Transaction terminal system 10 can use the data that comprise in the Payment Card chip to carry out various tasks.
If determine not have application currency code on the card in 310 transaction terminal systems 10, transaction terminal system 10 determines whether there is publisher's country code of representing publisher country on the Payment Card.If there is publisher's country code on the Payment Card, then the identifying code 48 that keeps in the storer 42 in publisher's country code and the transaction terminal system 10 in step 316 transaction terminal system 10 is compared, to determine the DCC suitability.If corresponding with identifying code 48 from publisher's country code that Payment Card is obtained, then this shows that the user is not suitable for the dynamic money conversion.
Will be appreciated that the order of determining at 310 and 314 places can be opposite in another example.
If determine that in 302 place transaction terminal systems 10 this card is not the EMV card, perhaps alternatively, if Payment Card is both not provide application currency code that publisher's country code (seeing 310 and 314) is not provided yet on EMV card and the card, then can use the primary account number (PAN) of Payment Card to determine the DCC suitability at 318 places.For example, transaction terminal system 10 can obtain publisher's identifier/bank identifier number (IIN/BIN), and can be with in the IIN/BIN table of the local currency file 49 in publisher's identifier/bank identifier number and the storer 42 that for example remains on transaction terminal system 10, the local publisher's in the monetary area that is positioned at transaction terminal system 10 reference IIN/BIN code, perhaps Dang Di tabulation 49 is compared, wherein, publisher's identifier/bank identifier number forms that on the Payment Card (if existence) keeps on the magnetic stripe or in the chip, the perhaps part of the PAN of the manual typing of user.If this process is based on such IIN/BIN code of obtaining, then this shows that the user is not suitable for the dynamic money conversion: find that one of reference IIN/BIN code that the local publisher's in monetary area that this IIN/BIN code and transaction terminal system 10 are arranged in local currency file 49 keeps or tabulation of locality are corresponding.
Correspondingly, 320, transaction terminal system 10 can determine whether show the suitable potentially DCC of user in 312,316 or 318 information that identify.
If 10 bases determine that in 312,316 or 318 information that identify the user is not suitable for DCC in 320 transaction terminal systems, then 384, transaction continues to use local (or reference) currency.
In step 386, transaction terminal system 10 can check whether mandate has been carried out in transaction, if not, and the authorization requests process that can in 388 execution graphs 6, describe then.For example, if trading volume below predetermined value, perhaps, if " making mandate " mark is set (seeing below), then may not require mandate.Transaction terminal system 10 subsequently by use have from the local currency of the 388 permission codes that obtain create remove advice message 389 according to the continuous business of normal payment transaction process.Alternatively, if determine that 386 " making mandates " marks are set, then transaction terminal system 10 is not having under the situation of authorizing in 390 continuous business, and uses local currency to create the removing advice message.Attention: will remove during message gathers batch in transaction terminal system 10 usually, and send to acquirer's banking system 12 as day part of ends reason; Perhaps send as end removing suggestion before in a series of days.This process is finished 400 subsequently.For example, can receive authorization and print receipt and used this currency to finish transaction for after the card holder signature.
Yet,, control via route A and go to Fig. 4 B if determine the suitable DCC of user 320.
Correspondingly, in Fig. 4 B, transaction terminal system 10 can determine whether application currency code is available 330.If determine that 330 application currency code can use,, cross range code (for example, PROC CODE=000000) and will have the exchange rate request message transmission of application currency code to DCC host computer system 18 as using first as indicated at F then 331.
Alternatively, if transaction terminal system 10 determines that 330 application currency code is unavailable, then transaction terminal system 10 can determine that whether permitting the Remote Dynamic currency code for transaction terminal system 10 obtains 332.Whether permitting the Remote Dynamic currency code obtains the position that can depend on transaction terminal for example and/or DCC host computer system and whether has enabled this function.For example, in one embodiment, can provide this function owing to can there be suitable functional module, but this module can be by deactivation before installing in the operator position.If determining to permit the dynamic money code obtains (promptly, enabled this function), then 333, as use second (for example to cross range code at F representedly, PROC CODE=000001) will have PAN selected position (for example, preceding 8 or 10 of PAN), do not have the exchange rate request message transmission of currency code to DCC host computer system 18.
Alternatively, if 332, determine that disapproving the dynamic money code in current transaction terminal system 10 obtains, then transaction terminal system 10 can determine whether publisher's country codes are available 334.If 334, determine that publisher's country code can use, then 335 as using as indicated at F the 3rd to cross range code (for example, PROC CODE=000002) and will have the exchange rate request message transmission of publisher's country code to DCC host computer system 18.
Alternatively, if 334, determine that publisher's country code is unavailable, then process is gone to Fig. 4 C at H, and transaction terminal system 10 makes authorization requests and will " make mandate " as making as described in reference Fig. 6 that mark set has sent authorization requests to show 336 pairs of transaction.
If after authorization requests, receive authorization response message at I in transaction terminal system 10, then determine in 337 transaction terminal systems 10 whether authorization response message provides the permission for transaction.If determine to provide permission 337; And determine further that 338 the authorization response message that receives comprises card holder's money of account code, then use the 4th to cross range code (for example, PROC CODE=000003) and will have the exchange rate request message transmission of card holder's money of account code as ground (via K) as indicated in the F in Fig. 4 B to the DCC host computer system 339.
Alternatively, if 337, determine to receive authorization response message under the refusal situation in transaction terminal system 10, then process is got back to Fig. 4 A at J and is continued.Then, along with distribution financial institution system 16 has been refused authorization requests to transaction, stop transaction 400.
Alternatively, if 338, transaction terminal system 10 determines to receive the authorization response message that does not comprise card holder's money of account code in transaction terminal system 10, then transaction terminal system 10 can be 340 to the user (for example, the Payment Card holder) provides DCC to support the currency tabulation, make the selection of (being called " foreign currency " hereinafter) of non-local currency for the user.The tabulation of supporting foreign currency can be remained in the storer in the transaction terminal system 10.If determine that 341 users have selected foreign currency, then 342 as the F in Fig. 4 B as indicated in ground (via K) use the 5th to cross the exchange rate request message transmission that range code (for example, PROC CODE=000004) will have selected foreign currency code and arrive DCC host computer system 18.
If determine non-selected foreign currency, then control via O and C (Fig. 4 B) and go to Fig. 4 A, and determine " not conversion " DCC state 382 341.Then, in step 384, transaction terminal system 10 is with local (or reference) currency continuous business.In step 386, transaction terminal system 10 can check that " making mandate " marks whether to be set, if not, and the licensing process that can in 388 execution graphs 6, describe then.After 341 process, will be in the 336 mark set of will " making mandate ", so transaction terminal system 10 has from the local currency establishment removing advice message of the permission codes of 336 acquisitions by use subsequently in this case, comes 390 according to the continuous business of normal payment transaction process.Attention: will remove during message gathers batch in transaction terminal system 10 usually, and send to acquirer's banking system 12 as day part of ends reason; Perhaps send as end removing suggestion before in a series of days.Then, finish this process 400.For example, can receive authorization and print receipt and used this currency to finish transaction for after the card holder signature.
Get back to step 331,333,335,339 and 342, in every kind of situation, adopt the suitable range code of crossing that the exchange rate request message is sent to DCC host computer system 18.It should be noted that: only the mode with example showed range code 000000,000001,000002,000003 or 000004, can provide other value for other indication code in process code or other example.For example, owing to can comprise information except the card holder's money of account code that can determine national money of account code, can comprise in the process after step 338 that then one or more additional step sends to DCC host computer system 18 with the suitable exchange rate request message that exists and will have a suitable procedure code that detects this information in 336 authorization response message that receive.Only,, then can generate exchange rate request message based on this information with suitable procedure code and publisher's country code if the exchange rate response message comprises the information of publisher's country code form in the mode of example.In addition, it should be noted that: only show step 330/331,332/333,334/335,336/337,338/339 and 340/341/342 order by this order, in other example, can or carry out these steps concurrently by another order in the mode of example.
350, the sales volume after DCC host computer system 18 implementations are with the acquisition exchange rate and conversion.Fig. 5 provides the illustrative examples as this process 350 of carrying out at DCC host computer system 18 places.
Forward the Fig. 5 that is formed by Fig. 5 A and Fig. 5 B to, process 350 receives under the situation of exchange rate request message from transaction terminal system 10 in DCC host computer system 18 402.
If at 404DCC host computer system 18 deterministic process codes is that the first mistake range code or the 4th (is for example crossed range code, be respectively 000000 or 000003), then have the exchange rate request of application currency code or card holder's money of account code to be used for processing in 406 transmission.
Alternatively, if DCC host computer system 18 is not the first or the 4th mistake range code (for example, not being 000000 or 000003) at 404 deterministic process codes, whether be the second mistake range code (for example, 000001) then at 408DCC host computer system 18 deterministic process codes.If DCC host computer system 18 is second (for example to cross range code at 408 deterministic process codes, 000001), then determine that in 410DCC host computer system 18 transmission has the selected position of PAN, do not have the exchange rate request message of currency code to be used for processing, 412, the local currency file of holding in the storer 72 of DCC host computer system 18 from DCC host computer system 18 (for example, money of account file or (BCF)) 75 obtains currency code.In an example, can use the selected position (for example, from first eight bits) of PAN for example to carry out the local currency ff.Then, DCC host computer system 18 is transmitted currency code to be used for further processing.
Alternatively, DCC host computer system 18 is not the second mistake range code (for example, not being 000001) at 408 deterministic process codes, and then process goes to 409 via P, and whether DCC host computer system 18 deterministic process codes are the 3rd mistake range codes (for example, 000002).If DCC host computer system 18 is the 3rd (for example to cross range code at 409 deterministic process codes, 000002), then 411, DCC host computer system 18 determines that transmission has the exchange rate request message of publisher's country code to be used for processing, in 413, DCC host computer system 18 is determined currency code according to the country that holds in the storer in the DCC host computer system 18 72 to currency table 77.Can use the publisher's country code that for example provides to carry out country currency is searched, so that the acquiescence official national currency code of the corresponding country code that provides to be provided.
At 406,412 or 413 (via Q) afterwards, 414, DCC host computer system 18 supports the tabulation of currency to compare to determine whether currency code is the currency of support by the DCC that holds in the storer 72 in the currency code that will identify and the DCC host computer system 18.
If DCC host computer system 18 determines that 414 the currency code that identifies is not that DCC supports currency, then in acquiescence currency table 73, search with identification whether hold acquiescence DCC support currency for the currency code of not supporting that this identifies in 440DCC host computer system 18.442, DCC host computer system 18 determines whether to identify acquiescence DCC and supports currency.If not, the parameter [action code (Action Code)=" AmtUnconverted (amount is conversion not) " and reason-code (Reason Code) " Unsupported (not supporting) "] of exchange rate response message then is set in 415DCC host computer system 18, and creates the exchange rate response message that comprises the blank exchange rate and sales volume field 416.Process is gone to 450 (Fig. 5 B) via T, and 450, DCC host computer system 18 is as returning to transaction terminal system 10 to the exchange rate response message as indicated at G.
Alternatively, if 442, DCC host computer system 18 is determined to identify acquiescence DCC and is supported currency, then 444, the currency conversion counting rate meter 74 of DCC host computer system 18 from DCC host computer system 18 obtains to be paid close attention to the currency conversion rate (exchange rate) of acquiescence currency, and uses the currency conversion rate converted transaction amount that obtains.446, DCC host computer system 18 is provided with the parameter [action code=" AmtConverted (having changed amount) " and reason-code " Normal (normally) "] of exchange rate response message, and adopts the exchange rate of acquisition and the trading volume after the conversion to create the exchange rate response messages 448.Process goes to 450 via U, and 450, DCC host computer system 18 is as returning to transaction terminal system 10 to the exchange rate response message that comprises the gained exchange rate and conversion back transaction amount field as indicated at G.
If 414, DCC host computer system 18 determines that the currency code that identifies is that DCC supports, then process is gone to 418 (Fig. 5 B) via R, 418, the currency conversion counting rate meter 74 of DCC host computer system 18 from DCC host computer system 18 obtains to pay close attention to the currency conversion rate (exchange rate) of currency, and uses currency conversion rate converted transaction amount.419, DCC host computer system 18 is provided with the parameter [action code=" AmtConverted " (having changed amount) and reason-code " Normal (normally) "] of exchange rate response message, and adopts the exchange rate of acquisition and the trading volume after the conversion to create the exchange rate response messages 420.450, DCC host computer system 18 is as returning to transaction terminal system 10 to the exchange rate response message of the exchange rate that comprises acquisition and conversion back transaction amount field as indicated at G.
Get back to 409, if DCC host computer system 18 deterministic process codes are not the 3rd mistake range codes (for example, not being 000002), then 422, whether DCC host computer system 18 deterministic process codes are the 5th mistake range codes (for example, 000004).
If DCC host computer system 18 is the 5th mistake range codes (for example, 000004) at 422 deterministic process codes, then 424, DCC host computer system 18 recognizes that the exchange rate request that receives is the exchange rate request with the selected currency of user.426, DCC host computer system 18 uses the local currency file of holding in selected position (for example, the first eight bits of PAN) storer 72 from DCC host computer system 18 of PAN (for example, money of account file BCF) 75 to obtain the currency of payment code that is associated with Payment Card.428, DCC host computer system 18 determines that whether the selected currency code of user is with (for example, BCF) the 75 money of account codes that obtain are the same from the local currency file.
If DCC host computer system 18 (is for example determined selected currency code of user and local currency file 428, BCF) the money of account code that identifies in 75 is the same, then 418, DCC host computer system 18 obtains the selected applicable exchange rate of currency for the user from currency conversion counting rate meter 74, and calculates the trading volume after the conversion.419, DCC host computer system 18 is provided with the parameter [action code=" AmtConverted " (having changed amount) and reason-code " Normal (normally) "] of exchange rate response message, and adopts the exchange rate of acquisition and the trading volume after the conversion to create the exchange rate response messages 420.450, DCC host computer system 18 returns to transaction terminal system 10 as the exchange rate that will comprise acquisition as indicated at G and the exchange rate response message of conversion back transaction amount field.
Get back to 428, if DCC host computer system 18 is determined selected currency code and from the local currency file (for example is not equal to, BCF) the 75 money of account codes that identify, then 429, DCC host computer system 18 is provided with the parameter [action code=" AmtConverted " (having changed amount) and reason-code " Different Currency (different currency) "] of exchange rate response message.430, DCC host computer system 18 obtains the selected applicable exchange rate of currency for the user from currency conversion counting rate meter 74, and calculates the trading volume after the conversion.432, DCC host computer system 18 adopts that (for example, BCF) the 75 money of account codes that identify are filled local currency field in the exchange rate response messages from the local currency file.Then, DCC host computer system 18 adopts the exchange rate of acquisition and the trading volume after the conversion to create the exchange rate response messages 420.450, DCC host computer system 18 returns to transaction terminal system 10 as the exchange rate response message of transaction amount field after will comprising filling local currency, identification currency, conversion ratio and conversion as indicated in the G.
Get back to 422, if DCC host computer system 18 deterministic process codes are not the 5th (for example to cross range code, 000004), then determine to exist unknown error, the parameter [action code=" AmtUnconverted (amount is conversion not) " and reason-code " Unknown (the unknown) "] of exchange rate response message is set in 435DCC host computer system 18 in 434DCC host computer system 18.Process is gone to 416 (Fig. 5 A) via S, and 416, DCC host computer system 18 is created the exchange rate response message that comprises the blank exchange rate and sales volume field.Process is gone to 450 (Fig. 5 B) via T, and 450, DCC host computer system 18 is as returning to transaction terminal system 10 to the exchange rate response message as indicated at G.
Will be appreciated that, only show step 404,408,409 and 422 order, can or realize these steps concurrently by another order in another example in the mode of example.In addition, if as what discussed at Fig. 4 B and 4C, for example have the extra exchange rate request type message of various process code, then in the process 350 that DCC host computer system 18 is carried out, can comprise suitable treatment step based on the information generation that comprises in the authorization response message.
After the process 350 that reference Fig. 5 describes, process turns back to transaction terminal system 10 and continues in Fig. 4 B 352 at G, 352, transaction terminal system 10 determines whether the action code in the exchange rate response message demonstrates the amount of having changed (action code=" AmtConverted (having changed amount) ").
If action code does not demonstrate the amount changed (action code=" AmtUnconverted (amount is conversion not) "), then 353, transaction terminal system 10 determines reason.If the reason-code in the exchange rate response message is set to " not supporting ", then 355, transaction terminal system 10 DCC states are set to " not supporting ", and process turns back to Fig. 4 A via B then, at Fig. 4 A, transaction terminal system 10 handles transaction with local or reference currencies 384.As mentioned above, whether transaction terminal system 10 386 needing to authorize for transaction and check in Fig. 4 A, if desired, and the licensing process that can in 388 execution graphs 6, describe then.For example, if trading volume is lower than predetermined value, perhaps,, then may not need authorization requests if " making mandate " mark is set.Then, transaction terminal system 10 by use have from the local currency of the 388 permission codes that obtain create remove advice message 389 according to the continuous business of normal payment transaction process.Alternatively, if determine that 386 " making mandates " marks are set, then transaction terminal system 10 is not having under the situation of authorizing in 390 continuous business, and uses to have before and create the removing advice message at the local currency of the 336 permission codes that obtain.Attention: usually in transaction terminal system 10 removing during message gathers batch, and send to acquirer's banking system 12 as day part of ends reason; Perhaps send as end removing suggestion before in a series of days.Then, process is finished 400.For example, can receive authorization and print receipt and used this currency to finish transaction for after the card holder signature.
If 353, transaction terminal system 10 determines that the reason-code in the exchange rate response message is not set to " not supporting ", then is set to " leakage " at 354 transaction terminal systems, 10 DCC states.Then, process turns back to Fig. 4 A via B, transaction terminal system 10 and then handle transaction 384 with local or reference currencies.As mentioned above, whether transaction terminal system 10 386 needing to authorize for transaction and check in Fig. 4 A, if desired, and the licensing process that can in 388 execution graphs 6, describe then.For example, if trading volume below predetermined value, perhaps, if " making mandate " mark is set, then may not need authorization requests.Then, transaction terminal system 10 has from the local currency establishment removing advice message of the 388 permission codes that obtain to come 389 according to the continuous business of normal payment transaction process by use.Alternatively, if determine that 386 " making mandates " marks are set, then transaction terminal system 10 is not having under the situation of authorizing in 390 continuous business, and uses to have before and create the removing advice message at the local currency of the 336 permission codes that obtain.Attention: usually in transaction terminal system 10 removing during message gathers batch, and send to acquirer's banking system 12 as day part of ends reason; Perhaps send as end removing suggestion before in a series of days.Then, process is finished 400.For example, can receive authorization and print receipt and used this currency to finish transaction for after the card holder signature.
Alternatively, if 352, transaction terminal system 10 determines that the action code in the exchange rate response message demonstrates the amount of having changed (action code=" AmtConverted (having changed amount) "), then determines in 356 transaction terminal systems 10 whether the reason-code in the message is set to " normally ".
If 356, transaction terminal system 10 determines that reason-codes are set to " normally ", then 364, to the card holder provide option with confirm his/her DCC transaction selection.If the card holder selects DCC 364, then determine in 368 transaction terminal systems 10 whether transaction is chip card (EMV) transaction.If determine that 368 transaction is a chip card transaction, then 370, transaction terminal system 10 determines whether to adopt the PDOL option to ask trading volume or currency in starting use the processing stage.If 370, determine to have asked trading volume or currency, then in 372 transaction terminal systems 10 by 394 start to use handling and adopting currency code and the trading volume after the conversion confirmed in the DCC process 350, use at the 304 identical application identifier AID that draw and in Fig. 4 A, 396 provide normal EMV transaction flow in Fig. 4 A, nextly restart this process via E.Then, transaction will continue whether to have carried out mandate before determining 397.Alternatively, if 370, transaction terminal system 10 determines not adopt as yet PDOL option requests transaction amount or currency the processing stage starting application, then 374, transaction terminal system 10 trading volume after 350 conversions of adopting in the foreign currency of confirming in the DCC process continues chip card transaction with the foreign currency code that the card holder confirms.After 374,378, the DCC state is marked " conversion ", and process turns back to Fig. 4 A continuation at D2.After 396 or 378, whether 397 inspections of transaction terminal system 10 in Fig. 4 A have carried out mandate for transaction, if, then in 398 reverses of carrying out this mandate.After 398, the authorization requests process that can adopt the trading volume of the currency code of conversion and conversion in 388 execution graphs 6, to describe subsequently.On the other hand, if determine to carry out mandate as yet for transaction 397, then can be under the situation of not carrying out any reverse, the authorization requests process that the currency code of employing conversion and the sales volume of conversion are described in 388 execution graphs 6.After 388 carried out mandate, then, transaction terminal system 10 has from the conversion currency of the 388 permission codes that obtain by use created the removing advice message, comes 389 according to the continuous business of normal payment transaction process.Attention: will remove during message gathers batch in transaction terminal system 10 usually, and as day the end reason a part send to acquirer's banking system 12; Perhaps send as end removing suggestion before in a series of days.Then, finish this process 400.For example, can receive authorization and print receipt and used this currency to finish transaction for after the card holder signature.
If transaction terminal system 10 confirms that 368 payment card transaction is not a chip card transaction, then use the trading volume of the conversion of this foreign currency to continue payment card transaction with the foreign currency that the card holder confirms in 376 transaction terminal systems 10.
After 376,379 the DCC state is labeled as " conversion ", and process turns back to Fig. 4 A continuation at D1.As mentioned above, whether transaction terminal system 10 386 needing to authorize for transaction and check in Fig. 4 A, if desired, and the authorization requests process that can in 388 execution graphs 6, describe then.For example, if trading volume below predetermined value, perhaps, if " making mandate " mark is set, then may not need to authorize.If carried out mandate 388, then transaction terminal system 10 has from the currency establishment removing advice message of the conversion of the 388 permission codes that obtain by use, comes 389 according to the continuous business of normal payment transaction process.Alternatively, if determine that 386 " making mandates " marks are set, then transaction terminal system 10 is not having under the situation of authorizing in 390 continuous business, and uses the currency that has before in the conversion of the 336 permission codes that obtain to create the removing advice message.Attention: will remove during message gathers batch in transaction terminal system 10 usually, and as day the end reason a part send to acquirer's banking system 12; Perhaps send as end removing suggestion before in a series of days.Then, process is finished 400.For example, can receive authorization and print receipt and used this currency to finish transaction for after the card holder signature.
Return 364, if at the non-selected DCC of 364 users, then process turns back to Fig. 4 A via N and O to C and 382 the DCC state is marked " conversion ", and transaction terminal system 10 with local (reference) currency in 384 continuous business.As mentioned above, transaction terminal system 10 386 checks whether to need authorization requests for this transaction in Fig. 4 A, if desired, and the licensing process that can in 388 execution graphs 6, describe then.For example, if trading volume below predetermined value, perhaps, if " making mandate " mark is set, then may not need to authorize.Then, transaction terminal system 10 has from the local currency of the 388 permission codes that obtain by use creates the removing advice message, comes 389 according to the continuous business of normal payment transaction process.Alternatively, if determine that 386 " making mandates " marks are set, then transaction terminal system 10 is not having under the situation of authorizing in 390 continuous business, and uses to have before and create the removing advice message at the local currency of the 336 permission codes that obtain.Attention: will remove during message gathers batch in transaction terminal system 10 usually, and as day the end reason a part send to acquirer's banking system 12; Perhaps send as end removing suggestion before in a series of days.Then, process is finished 400.For example, can receive authorization and print receipt and used this currency to finish transaction for after the card holder signature.
If 362, based on the alert messages 360 in 358 demonstrations, the user selects to adopt the currency of selection to continue, and then process is gone to 364 (Fig. 4 B) via M as previously mentioned.Alternatively, if determine that 362 users select not adopt the currency of selection to continue, then process turns back to Fig. 4 A via O and C, and the DCC state is labeled as " conversion " 382 and continues with local currency.As mentioned above, whether transaction terminal system 10 386 needing to authorize for transaction and check in Fig. 4 A, if desired, and the licensing process that can in 388 execution graphs 6, describe then.For example, if trading volume below predetermined value, perhaps, if " making mandate " mark is set, then may not need to authorize.Then, transaction terminal system 10 has from the local currency of the 388 permission codes that obtain by use creates the removing advice message, comes 389 according to the continuous business of normal payment transaction process.Alternatively, if determine that 386 " making mandates " marks are set, then transaction terminal system 10 is not having under the situation of authorizing in 390 continuous business, and uses to have before and create the removing advice message at the local currency of the 336 permission codes that obtain.Attention: will remove during message gathers batch in transaction terminal system 10 usually, and as day the end reason a part send to acquirer's banking system 12; Perhaps send as end removing suggestion before in a series of days.Then, process is finished 400.For example, can receive authorization and print receipt and used this currency to finish transaction for after the card holder signature.
Fig. 6 illustrates as the 388/336 example licensing process that is identified in Fig. 4 A/4C.
Example as 336 licensing processs that identified in Fig. 4 C at first will be described.
In response to DCC module 46 (Fig. 2), the processor 40 (Fig. 2) of transaction terminal system 10 can be operated, and is transferred to the payment authorization request message 20 of the acquirer's banking system 12 that is associated with the retailer of transaction terminal system 10 or operation transaction terminal system 10 with generation.Payment authorization request message 20 comprises: the routing iinformation of the data of the card data that sign captures, the details (comprising the local currency of transaction terminal system 10 and the trading volume of carrying out with this currency) of transaction and sign transaction terminal system 10.Can for example use conventional message agreement (for example, using agreement) to send message 20 such as ISO8583 based on the message grouping.
Acquirer's banking system 12 receives payment authorization request message 20 from transaction terminal system 10, and analyzes payment authorization request message 20 to determine to be paid close attention to the suitable scheme network 14 of card.Can relatively determine to be paid close attention to the suitable scheme network 14 of card by the epiphase of scheme network code in the Payment Card details that Payment Card data that receive and sign are received.Then, acquirer's banking system sends to suitable scheme network 14 to payment authorization request message 22.Payment authorization request message 22 can comprise the data of payment authorization request message 20, comprising: the details of transaction, such as the trading volume of local currency and this currency of transaction terminal system 10; And extraly, the routing iinformation of sign acquirer banking system 12.Can for example use conventional message agreement (such as the VISA BASE I authorization messages that uses based on the message packet oriented protocol) to send payment authorization request message 22.
Scheme network 14 receives payment authorization request message 22 from acquirer's banking system 12, and the payment authorization request message 22 that analysis receives is to discern the distribution financial institution of distribution Payment Card.Can relatively come to determine the distribution financial institution of distribution Payment Card by Payment Card data that will receive and the epiphase that identifies distribution financial institution code in the Payment Card details that receives.Especially, for the distribution financial institution that orders a plurality of currency services, scheme network system 14 can be operated with (for example, according to PAN) local currency of being paid close attention to Payment Card (or money of account) of identification distribution financial institution system 16, the exchange rate between the local currency of identification transaction terminal system 10 and the local currency of distribution financial institution system and the equal parts of calculating local currency.Then, scheme network 14 can be operated, to generate the payment authorization request message 24 that will send to distribution financial institution system 16, the extra routing iinformation of some or all and the identification schemes network 14 of payment authorization request message 24 in the data of sign payment authorization request message 22, also identify distribution financial institution in payment authorization request message 24 each fields local currency, convert the trading volume of local currency and the exchange rate of using by scheme network system 14 to by scheme network system 14.For example, for scheme network system, comprise the trading volume and the exchange rate of local currency, conversion in the field 51,6 and 10 of payment authorization request message 24 respectively by the VISA operation.Then, scheme network 14 can be operated, the payment authorization request message is forwarded to the distribution financial institution system 16 of concern.Can for example use conventional message agreement (such as agreement) to send message 22 based on the message grouping.
Distribution financial institution system 16 receives payment authorization request message 24, and handles authorization requests by the details of Payment Request is compared with the record that keeps for the Payment Card of paying close attention to.Distribution financial institution system 16 is preserved the details of payment card account, and details, card purchaser record, credit line, the account that comprises the Payment Card holder is effectively or by lock, money of account etc.Distribution financial institution system 16 can be operated to use the Payment Card details to confirm Payment Card effectively and do not locked, and checking can authority to pay according to the rule that is fit to payment card account (for example, based on trading volume to payment history and/or available credit etc.) then.If authorized transactions, then issue financial institution system 16 and will be retained in the amount of discerning in the authorization request message of local currency, and will generate and to use the routing iinformation that comprises in the payment authorization request message 24 that receives to send to the suitable sure authorization response message 26 of transaction terminal system 10 with respect to the card account.If pay uncommittedly, perhaps need to elect (referral) and check, then then generate suitable negative response message.
Distribution financial institution system 16 uses the routing iinformation from payment authorization request message 24 that authorization response message 26 is returned to scheme network 14.
Acquirer's banking system 12 receives authorization response message 28 and identifies routing iinformation in the authorization response message, to send authorization response message 30 to transaction terminal system 10.
Authorization requests and response message can comprise various field.For example, authorization requests and/or response message can comprise the field of selecting from following content for example:
The message type identifier field of-definition message type;
The processing code field of-definition type of transaction and Account Type;
The transaction amount field of-given transaction terminal moneytary operations amount;
The transaction amount field of-appointment issuer moneytary operations amount;
-exchange rate field;
-transmission date and time field;
The Expiration Date field of-Payment Card;
-businessman class code field;
-acquirer country code field;
-POS typing schema code field;
-POS CC condition code field;
-acquirer identification field;
-obtain the reference number field;
But-authorization code is code field perhaps;
-response code field;
-card recipient identification field;
-card recipient Name ﹠ Location field;
-transaction currency code field;
-card holder money of account field;
-extra POS information field; And
-privately owned field.
As indicated in above, Fig. 6 illustrates the example as 388 and 336 licensing processs that identified in Fig. 4 A and Fig. 4 C.The difference that only has between step 336 and 338 the licensing process is: the authorization request message 20 of step 336 and 22 will comprise the trading volume of the local currency of transaction terminal system 10, and the local currency of transaction terminal system 10 is designated transaction currency, and the authorization request message 20 of step 388 and 22 will comprise the trading volume of the currency that DCC is selected and will identify this currency.
After above-mentioned steps, payment terminal can be operated then with the receipt that for example is used to sign by printing (perhaps asking typing PIN number) and be come the requirement user to confirm to select.After having confirmed the currency that transaction is chosen, transaction terminal system 10 can operate with to system of merchant bank 12 transmission (for example, card holder this country or money of account message) removing message.(can for example finish transmission with the form of batch processing, remove message) but not send immediately in day end.Then, acquirer's banking system can be operated returning and to confirm to accept removing to transaction terminal system 10, and will remove forwards to scheme network 14.Scheme network 14 can further be operated will remove forwards to distribution financial institution system 16.
Turn back to Fig. 4 A, Fig. 4 B and Fig. 4 C, can use to form together and will implement these processes by the CP module 44 in processor 40 storeies 42 that handle, transaction terminal system 10 of transaction terminal system 10 and each software module of DCC module 46.Can suitably be configured to each software program module effective or invalid so that transaction terminal is suitable for local demand.
Similarly, can use together each software module of the DCC module 76 in the storer 72 that forms the DCC host computer system 18 that to handle by the processor 70 of DCC host computer system 18 to implement the process of Fig. 5 A and Fig. 5 B.Can suitably be configured to each software program module effective or invalid so that transaction terminal is suitable for local demand.
In the process of reference Fig. 4 A, Fig. 4 B and Fig. 4 C and Fig. 5 A and Fig. 5 B description, will be noted that: transaction terminal system 10 comprised range code in being transferred to the exchange rate request message of DCC host computer system 18, DCC host computer system 18 was responded the processing of range code with control exchange rate response message, and transaction terminal system 10 responds action code and reason-code is further handled with definite.Yet, will be appreciated that, in another example, be different from by use, action and reason-code, can be for example fill the coding that (wherein, can some fields blank or be set to predetermined value) realizes the exchange rate request message by the selectivity of using exchange rate request message and exchange rate response message field.Under the situation of reference null field, this can comprise that for example the content of field is set to zero entirely or is set to some other values not corresponding with effective content of field.
In addition, together with above-mentioned concrete field, exchange rate request message and exchange rate response message can comprise other field.
Example exchange rate request message can comprise one or more field of for example selecting from the following field of following content:
Cross range code;
The date and time of transmission;
System keeps track audit number;
The date and time of local transaction;
The local currency Merchant ID;
Local currency TID;
Acquirer ID;
The basis amount;
Block BIN/IIN number;
The exchange rate request is with reference to ID;
Card Type;
Silver cabinet (till) the ID/ POS of businessman;
Foreign currency code (for example, foreign currency Alpha code).
Example exchange rate response message can comprise one or more field of for example selecting from the following field of following content:
Cross range code;
The date and time of transmission;
System keeps track audit number;
The date and time of local transaction;
The local currency Merchant ID;
Local currency TID;
Acquirer ID;
The basis amount;
External amount;
Block BIN/IIN number;
The exchange rate;
The exchange rate request is with reference to ID;
Card Type;
Reverse exchange rate (inverted rate);
Foreign currency code (for example, foreign currency Alpha code);
This country's money of account code (for example, local currency Alpha code);
The silver cabinet ID/ POS of businessman;
Demarcate number percent;
Commission number percent;
The commission value;
Action code;
Reason-code.
In addition, should be mentioned that: although with reference to exchange rate request message and exchange rate response message, message transmits and can relate to one or more exchange rate request message and one or more exchange rate response message.
Can realize in DCC program module 46 and 76 each respectively at one or more computer program that is used for Operation Processor 40 and 70.In other words, can implement process and the module described with reference to Fig. 4 A, Fig. 4 B and Fig. 4 C by operating with one or more computer program of the processor 40 of control transaction terminal system 10.Similarly, can implement process and the module described with reference to Fig. 5 A and Fig. 5 B by operating with one or more computer program of the processor 70 of control DCC host computer system 18.Each computer program can be that one or more computer program form that provides on the mounting medium of computer-readable medium for example is provided.Mounting medium can be a storage medium, such as solid-state, magnetic, optics, magnetooptics or other storage medium.Mounting medium can be a transmission medium, such as broadcasting, phone, computer network, wired, wireless, electricity, electromagnetism optics or any other transmission medium.
Should be noted that and in general manner use term " Payment Card " as used herein can be used for realizing token or the equipment or the carrier of transaction based on account associated therewith to describe.It should be noted that, " Payment Card " need not to adopt the form of traditional rectangular plastics credit cards etc., can be integrated with integrated chip therein, but " Payment Card " in the implication of Ying Yonging can adopt any other form that can be used as credit, debt-credit, perhaps other form of payment token, equipment or carrier herein.For example, in the implication of term " Payment Card " as used herein, payment system can based on or permit using other carrier of mobile phone, PDA(Personal Digital Assistant) or information as " Payment Card ".In this case, be generally software or the chip that mobile phone provides the functional equivalent of function and EMV the core of the card sheet.Therefore, in this article under the situation with reference to Payment Card, will be understood that, " Payment Card " can adopt will be as any appropriate form of the payment token, equipment or the carrier that are configured to conclude the business based on account associated therewith, for example, be used for (for example via the contact or in the noncontact mode) to transmit the suitable software of information and/or the means of mechanism from the payment terminal system.
Though describe the foregoing description in detail,, change and revise to become obvious to those skilled in the art in a large number in case fully understood above disclosure.Be intended to claims are interpreted as comprising all this variations and modification and equivalent thereof.
Claims (51)
1. transaction terminal system comprises:
At least one input interface of-reception Payment Card details and trade detail;
-be connected to the communication interface of remote host system;
-processing logic, can operate with to described host computer system transmission exchange rate request message with identification currency conversion rate, and receive response message from described host computer system,
-wherein, the exchange rate request message comprises the request type designator that shows an exchange rate request message type in a plurality of exchange rate request message type, and the conversion currency fields that wherein, comprises conversion currency designator at the exchange rate request message of selected at least exchange rate request message type.
2. the system as claimed in claim 1, comprise and to operate with the reference currencies designator of storing described transaction terminal system or with reference to one of at least storer in the national designator, described processing logic can be operated the Payment Card details that receives with identification and whether show that publisher country or money of account are described Payment Cards with reference to country or described reference currencies, and, in indicated Payment Card publisher country or money of account is under the described situation with reference to country or described reference currencies, under the situation of not transmitting the exchange rate request message, to handle transaction with described currency or the corresponding currency of described reference currencies with reference to country.
3. the system as claimed in claim 1, comprise the storer that to operate with the reference currencies designator of storing described transaction terminal system, described processing logic can be operated the Payment Card details that receives with identification and whether show that money of account is the Payment Card of described reference currencies, and, at indicated Payment Card money of account is under the situation of described reference currencies, handles transaction with described reference currencies under the situation of not transmitting the exchange rate request message.
4. system as claimed in claim 3, wherein, it is the reference Payment Card publisher's of described reference currencies sign that described storer can also be operated with the storage money of account, described processing logic can operate with the Payment Card publisher information in the Payment Card details that will receive with compare with reference to Payment Card publisher sign, whether show that with the Payment Card details of determining to receive money of account is the Payment Card of described reference currencies.
5. the system as claimed in claim 1, comprise the storer that to operate with the national designator of reference of storing described transaction terminal system, described processing logic can be operated the Payment Card details that receives with identification and whether show that publisher country is described Payment Card with reference to country, and, in indicated Payment Card publisher country is under the national situation of described reference, concludes the business to handle with the corresponding currency of described currency with reference to country under the situation of not transmitting the exchange rate request message.
6. system as claimed in claim 5, wherein, it is described sign with reference to national reference Payment Card publisher that described storer can also be operated with storage publisher country, described processing logic can operate with the Payment Card publisher information in the Payment Card details that will receive with compare with reference to Payment Card publisher sign, whether show that with the Payment Card details of determining to receive publisher country is described Payment Card with reference to country.
7. as each described system in preceding claim, wherein:
The authorization request message that described processing logic can be operated will comprise the information that shows the Payment Card details that receives and trade detail is transferred to remote system, and receives the authorization response message of the information that comprises the money of account that shows described Payment Card,
Described processing logic can also be operated with the currency conversion rate at described money of account and transmit the exchange rate request message to described host computer system, and described exchange rate request message comprises the money of account designator in the conversion currency fields and shows that described conversion currency fields comprises the 4th exchange rate request type designator of money of account designator.
8. as each described system in preceding claim, wherein, described input interface comprises chip-card readers, and described processing logic comprises the chip logic module, is configured to:
-response has the insertion of the Payment Card of logic chip and obtains the money of account information of storing on the described Payment Card with trial; And
-obtaining from described Payment Card under the situation of money of account information, transmission exchange rate request message, this exchange rate request message comprises the conversion currency designator and the first request type designator of representing according to the information of obtaining from described Payment Card money of account that derive or that obtain.
9. as each described system in preceding claim, described processing logic comprises the changeable effective or invalid changeable logic module that is, described changeable logic module can be operated, not exist under the situation of the conversion currency that identifies effectively the time and in described transaction terminal system, transmission comprises the second request type designator and does not comprise the exchange rate request message of conversion currency designator.
10. as each described system in preceding claim, wherein, described input interface comprises chip-card readers, and described processing logic comprises the chip logic module, is configured to:
-obtain publisher's national information of storing on the described Payment Card in response to the insertion of Payment Card with trial with logic chip; And
-obtaining from described Payment Card under the situation of publisher's national information, transmission exchange rate request message, this exchange rate request message comprise publisher's country's designator and the 3rd request type designator of representing according to the information of obtaining from described Payment Card publisher country that derive or that obtain.
11. as in preceding claim each described system, also comprise output interface, described processing logic comprises: the menu logic module, it can be operated not exist under the situation of other sign of changing currency in described transaction terminal system:
-via described output interface to the user point out a plurality of available conversion currency with by the conversion currency the user select, and
-to select in response to the user of conversion currency, transmission comprises the conversion currency designator of the conversion currency that representative of consumer is selected and the exchange rate request message of the 5th request type designator.
12. system as claimed in claim 11, wherein, the response of described processing logic shows that the currency that the user selectes is not the exchange rate response message of the money of account of described Payment Card, and exporting warning via described output interface to the user, and whether the prompting user confirms the conversion currency that the user selectes.
13. as each described system in preceding claim, wherein, described treating apparatus can be operated, with behind the exchange rate response message of trading volume that receives the conversion that identifies conversion currency, this conversion currency and conversion ratio, via the trading volume and the conversion ratio of the conversion of the sign of described output interface output conversion currency, this conversion currency, and whether the prompting user confirms the trading volume and the conversion ratio of the conversion of indicated conversion currency, conversion currency.
14. system as claimed in claim 13, confirm in response to the trading volume of conversion of indicated conversion currency, conversion currency and the user of conversion ratio, use the trading volume and the conversion ratio of the conversion of the trade detail of input, indicated conversion currency, conversion currency to realize transaction.
15. system as claimed in claim 14, wherein, described treating apparatus can be operated, so that to the indicated conversion currency of remote external system transmissions, the trading volume of conversion of conversion currency and the removing information of conversion ratio.
16. as each described system in the claim 11 to 15, wherein, described output interface comprises display device.
17., comprise and to operate to use described trade detail after transaction is finished, to print the printer of receipt as each described system in preceding claim.
18. a dynamic money conversion host computer system comprises:
-be connected to the host communication interface of transaction terminal system; And
-host process logic can be operated, with:
-receive the exchange rate request message from described transaction terminal, wherein, the exchange rate request message comprises the request type designator that shows an exchange rate request message type in a plurality of exchange rate request message type, and the conversion currency fields that wherein, comprises conversion currency designator at the exchange rate request message of selected at least exchange rate request message type;
-determine the trading volume of conversion ratio and conversion in response to the exchange rate request message that comprises indicated conversion currency, perhaps determine that in response to the exchange rate request message that does not have indicated conversion currency conversion currency, institute determine to change the trading volume and the conversion ratio of the conversion of currency; And
-comprise trading volume, the conversion ratio designator of the conversion of this currency and the exchange rate response message of changing the currency designator to described transaction terminal system transmissions.
19. system as claimed in claim 18 can operate to keep the conversion ratio of each available conversion currency.
20. as claim 18 or 19 described systems, can operate so that Payment Card publisher and the mapping that is associated between the money of account to be provided, wherein, the exchange rate request message comprises the Payment Card details of input, and described processing logic can be operated, with in response to the exchange rate request message that does not have indicated conversion currency, by use from the described mapping of Payment Card publisher message reference of described input Payment Card details determine the conversion currency, determine to change the trading volume and the conversion ratio of the conversion of currency.
21. as each described system in the claim 18 to 20, wherein, described processing logic can be operated, and comprises the conversion currency designator that shows currency and the exchange rate request message of the first or the 4th request type designator to respond by the trading volume of determining available conversion ratio and conversion.
22. as each described system in the claim 18 to 21, wherein, described processing logic can be operated, to determine the money of account of described Payment Card and the trading volume of determining available conversion ratio and conversion responding the exchange rate request message that comprises the second request type designator and do not comprise conversion currency designator by the money of account map information of visit storage.
23. as each described system in the claim 18 to 22, wherein, described processing logic can be operated, with the country by visit storage to the currency map information with identification currency and the trading volume of determining available conversion ratio and conversion, respond the exchange rate request message that comprises the 3rd request type designator and publisher country designator.
24. as each described system in the claim 21 to 23, wherein, described processing logic can be operated, whether the currency with definite sign is not that the system that is used for direct currency conversion supports currency, and, in this case, use the acquiescence currency map information of storage to determine the acquiescence currency, and based on described acquiescence currency but not the currency of sign is determined the trading volume of available conversion ratio and conversion.
25. as each described system in the claim 18 to 24, wherein, described processing logic can be operated, with:
-response comprises the Payment Card details of the 5th request type designator, input and the exchange rate request message of the selected currency of user, use Payment Card publisher that described mapping uses storage to the money of account map information, determine the money of account that is associated with the Payment Card publisher that identifies in the Payment Card details of importing;
-determined money of account is compared with the conversion currency that the user selectes; And
-transmission shows the corresponding exchange rate response message of money of account whether determined money of account is selected with the user.
26. a dynamic money converting system comprises: at least one is as each described transaction terminal system in the claim 1 to 17, and as each described dynamic money conversion host computer system in the claim 18 to 25.
27. a method of operating the transaction terminal system comprises such transaction terminal system:
-reception Payment Card details and trade detail;
-transmit the exchange rate request message with identification currency conversion rate to host computer system, wherein, the exchange rate request message comprises the request type designator that shows an exchange rate request message type in a plurality of exchange rate request message type, and the conversion currency fields that wherein, comprises conversion currency designator at the exchange rate request message of selected at least exchange rate request message type; And
-receive response message from described host computer system.
28. method as claimed in claim 27 comprises described transaction terminal system:
The reference currencies designator of the described transaction terminal of-storage system or with reference in the national designator one of at least;
Whether-identification receives in described transaction terminal system Payment Card details shows that publisher country or money of account are described Payment Cards with reference to country or described reference currencies, and
-be under the described situation at indicated Payment Card publisher country or money of account with reference to country or described reference currencies, under the situation of not transmitting the exchange rate request message, to handle transaction with described currency or the corresponding currency of described reference currencies with reference to country.
29. method as claimed in claim 28 comprises described transaction terminal system:
The reference currencies designator of the described transaction terminal of-storage system;
-in described transaction terminal system, whether the Payment Card details that identification receives shows that money of account is the Payment Card of described reference currencies, and
-be under the situation of described reference currencies at indicated Payment Card money of account, under the situation of not transmitting the exchange rate request message, handle transaction with described reference currencies.
30. method as claimed in claim 29 comprises such transaction terminal system:
-storage money of account is the reference Payment Card publisher's of described reference currencies a sign; And
-with the Payment Card publisher information in the Payment Card details that receives with compare with reference to Payment Card publisher sign, whether show that to determine the Payment Card details that receives money of account is the Payment Card of described reference currencies.
31. method as claimed in claim 30 comprises such transaction terminal system:
The national designator of reference of the described transaction terminal of-storage system;
Whether-identification receives in described transaction terminal system Payment Card details shows that publisher country is described Payment Card with reference to country, and
-be under the described situation in indicated Payment Card publisher country, under the situation of not transmitting the exchange rate request message, to handle transaction with the described corresponding currency of currency with reference to country with reference to country.
32. method as claimed in claim 31 comprises such transaction terminal system:
-storage publisher country is described sign with reference to national reference Payment Card publisher; And
-with the Payment Card publisher information in the Payment Card details that receives with compare with reference to Payment Card publisher sign, whether show that to determine the Payment Card details that receives publisher country is described with reference to national Payment Card.
33., comprise such transaction terminal system as each described method in the claim 27 to 32:
-will comprise that the authorization request message of the information of the Payment Card details that shows reception and trade detail is transferred to remote system, and receive the authorization response message of the information that comprises the money of account that shows described Payment Card; And
-transmitting the exchange rate request message at the currency conversion rate of described money of account to host computer system, described exchange rate request message comprises the money of account designator in the conversion currency fields and shows that the conversion currency fields comprises the 4th request type designator of currency designator.
34. as each described method in the claim 27 to 33, comprise at Payment Card under the situation of logic chip, comprise such transaction terminal system:
The money of account information of storing on the described Payment Card is obtained in-trial; And
-obtaining from described Payment Card under the situation of money of account information, transmission exchange rate request message, described exchange rate request are had a rest and are comprised the conversion currency designator and the first request type designator of representing according to the information of obtaining from described Payment Card money of account that derive or that obtain.
35. as each described method in the claim 27 to 34, comprise such transaction terminal system: do not exist under the situation of the conversion currency that identifies selectively and in described transaction terminal system, transmission comprises the second request type designator and does not comprise the exchange rate request message of conversion currency designator.
36., comprise at described Payment Card comprising such transaction terminal system under the situation of logic chip as each described method in the claim 27 to 35:
Publisher's national information of storing on the described Payment Card is obtained in-trial; And
-obtaining from described Payment Card under the situation of publisher's country code information, transmission exchange rate request message, described exchange rate request message comprise publisher's country's designator and the 3rd request type designator of representing according to the information of obtaining from described Payment Card publisher country that derive or that obtain.
37., comprise such transaction terminal system as each described method in the claim 27 to 36:
-in the transaction terminal system, do not exist under the situation of other sign of changing currency, point out that to the user a plurality of available conversion currency select with the user by the conversion currency via the output interface of described transaction terminal system, and
-select in response to the user of conversion currency, comprise the conversion currency designator of the conversion currency that representative of consumer is selected and the exchange rate request message of the 5th request type designator to described host computer system transmission.
38. method as claimed in claim 37, comprise such transaction terminal system: show that by exporting alert message and point out the user whether to confirm the conversion currency that the user selectes to the user via described output interface, responding the currency that the user selectes is not the exchange rate response message of described Payment Card money of account.
39. as each described method in the claim 27 to 38, comprise such transaction terminal system: behind the exchange rate response message of trading volume that receives the conversion that identifies conversion currency, this conversion currency and conversion ratio, export the trading volume of the conversion of changing currency, this conversion currency and the sign of conversion ratio via described output interface, and whether the prompting user confirms the trading volume and the conversion ratio of the conversion of indicated conversion currency, described conversion currency.
40. method as claimed in claim 39, comprise such transaction terminal system: respond the trading volume of conversion of indicated conversion currency, described conversion currency and the user of conversion ratio and confirm, realize transaction with trading volume after the conversion of the trade detail that uses input, indicated conversion currency, described conversion currency and conversion ratio.
41. method as claimed in claim 40 comprises such transaction terminal system: it makes to the trading volume of the conversion of the indicated conversion currency of remote external system transmissions, described conversion currency and the removing information of conversion ratio.
42., comprise such transaction terminal system: use described trade detail after transaction is finished, to print receipt as each described method in the claim 27 to 41.
43. a method of operating dynamic money conversion host computer system comprises such host computer system:
-receive the exchange rate request message from transaction terminal, wherein, the exchange rate request message comprises the request type designator that shows an exchange rate request message type in a plurality of exchange rate request message type, and the conversion currency fields that wherein, comprises conversion currency designator at the exchange rate request message of selected at least exchange rate request message type;
-determine the trading volume of conversion ratio and conversion in response to the exchange rate request message that comprises indicated conversion currency, perhaps determine that in response to the exchange rate request message that does not have indicated conversion currency conversion currency, institute determine to change the trading volume and the conversion ratio of the conversion of currency; And
-comprise transaction value, the conversion ratio designator of this conversion currency conversion and the exchange rate response message of changing the currency designator to described transaction terminal system transmissions.
44. method as claimed in claim 43 comprises the host computer system of the conversion ratio that keeps each available conversion currency.
45., comprise such host computer system as claim 43 or 44 described methods:
-Payment Card publisher and the mapping that is associated between the money of account be provided, and
-in response to comprising input Payment Card details and the exchange rate request message that do not have indicated conversion currency, determine that by using conversion currency, institute determine to change the trading volume and the conversion ratio of the conversion of currency from the Payment Card publisher message reference mapping of input Payment Card details.
46., comprise such host computer system: respond by the trading volume of determining available conversion ratio and conversion and to comprise the conversion currency designator that shows currency and the exchange rate request message of the first or the 4th request type designator as each described method in the claim 43 to 45.
47. as each described method in the claim 43 to 46, comprise such host computer system: the money of account map information by visit storage responds the exchange rate request message that comprises the second request type designator and do not comprise conversion currency designator with the money of account of discerning described Payment Card and the trading volume of definite conversion ratio and conversion.
48. as each described method in the claim 43 to 47, comprise such host computer system: the country by visit storage is to the currency map information and determine the trading volume of available conversion ratio and conversion, responds the exchange rate request message that comprises the 3rd request type designator and publisher country designator.
49. as each described method in the claim 46 to 48, comprise such host computer system: determine whether the currency that identifies is not that the system that is used for direct currency conversion supports currency, and, in this case, use the acquiescence currency map information of storage to determine the acquiescence currency, and based on described acquiescence currency but not the currency of sign is determined the trading volume of available conversion ratio and conversion.
50., comprise such host computer system as each described method in the claim 43 to 49:
-Payment Card publisher and the mapping that is associated between the money of account are provided, wherein, described processing logic:
-comprise that by using described mapping to determine that the money of account that is associated with the Payment Card publisher that identifies in the input Payment Card details responds the 5th request type designator, input Payment Card details and user select the exchange rate request message of currency;
-money of account of determining is compared with the conversion currency that the user selectes; And
The corresponding exchange rate request message of the money of account whether clearly fixed money of account of-transmission table is selected with described user.
51. a computer program comprises: program code, can operate to carry out as each described method in the claim 27 to 50.
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| CN105378772A (en) * | 2013-03-14 | 2016-03-02 | 纯商务Pty有限公司 | Dynamic currency conversion transaction system |
| CN107646123A (en) * | 2015-05-05 | 2018-01-30 | 菲克斯科商业服务无限公司 | Currency conversion system and method |
| CN106469004A (en) * | 2015-08-20 | 2017-03-01 | 阿里巴巴集团控股有限公司 | Information conversion method and device |
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| AU2009223984A1 (en) | 2009-09-17 |
| JP5935142B2 (en) | 2016-06-15 |
| AU2009223984B8 (en) | 2015-06-11 |
| US8849713B2 (en) | 2014-09-30 |
| EP3012791A1 (en) | 2016-04-27 |
| EP2272031A1 (en) | 2011-01-12 |
| US20120036063A1 (en) | 2012-02-09 |
| SG189807A1 (en) | 2013-05-31 |
| JP2011513869A (en) | 2011-04-28 |
| AU2009223984B2 (en) | 2015-02-12 |
| AR070871A1 (en) | 2010-05-12 |
| JP2016105301A (en) | 2016-06-09 |
| WO2009112812A1 (en) | 2009-09-17 |
| JP2014112416A (en) | 2014-06-19 |
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